If at first you don’t succeed just do the same thing over and over and over again. This week we tackle the root of most people’s personal finance issues, their decision making process. For many people the decisions we make feel almost automatic and outside of our control bringing us to the same unwanted results day in and day out, and no budget is going to help us out of that rut. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep ...
Oct 02, 2023•34 min•Ep 94•Transcript available on Metacast So it turns out the best way to help people without money is actually to just give them money. This week we talk with Claire Williams co-founder of “Foundations for Social Change” and Dr. Jiaying Zhao Associate Professor in the Department of Psychology and the Institute for Resources, Environment and Sustainability at UBC, two of the co-authors of the landmark study “Unconditional Cash Transfers Reduce Homelessness.” Find out how people normally stigmatized for their homelessness used a one-time...
Sep 25, 2023•31 min•Ep 93•Transcript available on Metacast Now always never forget to don’t do what Donny Don’t does! This week we open up and show you how we got things wrong… in the past, and how you can avoid those same money mistakes today. Plus, don’t miss out on the lightning round where we rapid fire more ways to help you avoid wasting money. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonal...
Sep 17, 2023•32 min•Ep 92•Transcript available on Metacast Yes, yes, asking is the first step to understanding, but spending is the first step to a new Lego Venator-class Star Destroyer. This week we explore some of the key questions people should be asking themselves about not only their finances but their daily habits and purpose in life, wow that got deep quick. Everything from income, spending, savings, investing and protection is talked about and how we can overcome the dreadmill, I mean treadmill of debt and not accomplishing our goals in life. If...
Sep 11, 2023•35 min•Ep 91•Transcript available on Metacast We come into the world with nothing and we leave with everything, wait that’s not right. This week we talk about the book “Die with Zero: Getting All You Can From Your Money” by Bill Perkins and find out what he has against his kids. Find out how Bill’s philosophy of decumulation and making the most of a certain portion of your life can help people kick their bucket after it's been empty. If you live in British Columbia, let us help you take care of the people you love and visit braunfinanci...
Sep 04, 2023•30 min•Ep 90•Transcript available on Metacast Now to revolutionize your finances first get out your 401k documents *throws book*. This week we tackle the biggest frustration among Canadians who read personal finance books, the dreaded use of the American tax system and we give you a cheat sheet to help apply those ideas to your life. Is an IRA an Individual Retirement Account or a Individual Retirement Arrangement, we don’t know! Plus a host of other tips to help you redeem those books you bought but can’t apply. If you live in British Colu...
Aug 28, 2023•32 min•Ep 89•Transcript available on Metacast And with a wave of my wand I shall make all my financial problems disappear, “klaatu barada nikto!” This week we open the mystic tomb known as “Money Magic: An Economist’s Secrets to More Money, Less Risk, and a Better Life” by Laurence Kotlikoff and see how this master of the financial arts can teach us about crafting our lives into the best financial outcome possible. *IPFC is not responsible for listeners spontaneously transforming into frogs or anything else unnatural by listening to this ep...
Aug 21, 2023•35 min•Ep 88•Transcript available on Metacast This week we get personal and Christine shares about a health issue in her life that forever changed the way we look at money, priorities, finances and our planning process. It’s introspective and a bit dark, and not our usual light and fluffy personal finance centric type of episode. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinance...
Aug 14, 2023•38 min•Ep 87•Transcript available on Metacast "I’m sorry Dave I’m afraid I can’t invest in that." This week we peer into the S&P 500 and see how its core sectors have performed so far in 2023. Is there a true boom in the market happening or has HAL 9000 and his shiny new AI buddies distracted everyone from what is really happening in the American stock market. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group...
Aug 07, 2023•39 min•Ep 86•Transcript available on Metacast It’s a mad, mad, mad, mad stock market! This week we seek out the fabled “W” of the current Canadian stock market and find out what sectors are actually bringing about the best returns on the TSX. Which surprising companies have been the year to date winners and which have crashed and burned, the answer may (or may not) surprise you. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and ...
Jul 31, 2023•40 min•Ep 85•Transcript available on Metacast The first rule of confirmation bias club is we don’t talk about confirmation bias club. This week we dig through Grant Sabatier’s book “Financial Freedom: A proven path to all the money you will ever need.” Find out how a burrito craving changed his view on finances and what parts of his philosophy we think can help you get your own tasty burrito, or financial freedom, we won’t judge. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com K...
Jul 24, 2023•35 min•Ep 84•Transcript available on Metacast When your financial calculator tells you to “use reasonable figures” you know your in for a wild ride. This week we tackle part two of our look into the Financial Independence Retire Early (FIRE) movement and go beyond just the core concepts and actually put their math to the test. Is the promised 4% rate of return formula your golden ticket or does it turn to rust in when you need it the most. If you live in British Columbia, let us help you take care of the people you love and visit braunfinan...
Jul 16, 2023•33 min•Ep 83•Transcript available on Metacast Where there’s smoke there’s FIRE! This week we dig deeper into the FIRE movement and see how much of it is actually burning logs and how much of it is just cheap kindling. Can you sustain a retirement, what does it cost you in your everyday life? Plus we talk about what we actually really like about the movement in part one of this two week investigation. If you live in British Columbia, let us help you take careof the people you love and visit braunfinancial.com Keep the conversation going on o...
Jul 10, 2023•35 min•Ep 82•Transcript available on Metacast It’s time to spin the wheel of retirement fortune and see what we get from the government, bonus points for landing on 70! This week it’s everything you’ve ever wanted to know about CPP and the new changes to OAS. Find out when it could be best to start collecting, how its funded and what the future holds for these 2 staples of government assistance. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our F...
Jul 02, 2023•31 min•Ep 81•Transcript available on Metacast The call is coming from inside the house, and it’s asking when to expect payment of my loans! This week we talk with Blair Mantin president of Sands & Associates and go over everything you ever wanted, or didn’t realize that you needed to know about consumer proposals and bankruptcy in Canada. Learn new tips and tricks to help you even before you get into debt trouble and how to best deal with those mounting debts before it’s too late. If you live in British Columbia, let us help you take ca...
Jun 25, 2023•36 min•Ep 80•Transcript available on Metacast For the price of a coffee a day you can become a millionaire… maybe. This week we dig into David Bach’s bestseller “The Latte Factor” and see if its core financial concepts are more foam than cream. Can small daily investments really revolutionize your retirement and how does the math really work in today’s market? If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www....
Jun 19, 2023•31 min•Ep 79•Transcript available on Metacast What do all personal finance experts have in common? If you guessed a numbered step by step guide you’re correct! This week Christine joins the dark side of personal finance expertise and lays out her own road map, checklist, whatever we’re calling it, to help you master the basics of not only your budget but your entire personal finance journey. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Faceb...
Jun 12, 2023•31 min•Ep 78•Transcript available on Metacast 50, 30, 20 hut hut hut. This week we tackle the growing trend of set it and forget it percentage based budgets and how many of these American creations are leading Canadians astray. Find out whether these good ideas are based in reality and are actually feasible for the average Canadian. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfina...
Jun 05, 2023•29 min•Ep 77•Transcript available on Metacast The most important part of investing is timing, or so we are led to believe. This week we talk about how to manage your time in the stock market and how emotions lead you off the cliff of destitution. Learning the cycles of the market and when to best get in, get out, or stay put is the true key to success. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook...
May 29, 2023•30 min•Ep 76•Transcript available on Metacast In a world of DIY financial planning and investing it is easy to think we know what is best for our financial future. This week we go over the pro’s and con’s of DIY financial management and when it is best to talk to a professional. Christine takes you behind the scenes of her practice and talks about compensation, product availability and where it is actually better for you to do things yourself. If you live in British Columbia, let us help you take care of the people you love and visit braunf...
May 22, 2023•39 min•Ep 75•Transcript available on Metacast It’s mothers’ day so what better time to talk about how we teach our kids about money, so they can spend it on mom of course! This week we welcome our first guest Robin Taub the author of “The Wisest Investment” and discover all of the ways we can push past our personal taboos about money and prepare our kids to be financially literate and independent. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our...
May 14, 2023•31 min•Ep 74•Transcript available on Metacast This week we go over the recent struggles with American banks and look into what is keeping major Canadian banks from suffering the same fate. Everything from CDIC, Assuris, OFSI and the Basel accords are talked about as we discover what would happen if a Canadian bank collapsed. Continuity Note: A day after recording this episode TD Bank broke its agreement to purchase First Horizon Bank in the US. If you live in British Columbia, let us help you take care of the people you love and visit braun...
May 08, 2023•36 min•Ep 73•Transcript available on Metacast Earth! Fire! Wind! Water! Heart! By your powers combined I am Captain Dividend Yield! This week we tackle the increasingly popular ESG investment mandate, issues of environment, society and corporate governance are becoming more important for investors. However, not everything labels as ESG right now would please Captain Planet, or even the average investor looking to support true change for the better. If you live in British Columbia, let us help you take care of the people you love and visit b...
May 01, 2023•28 min•Ep 72•Transcript available on Metacast I reject your financial reality and substitute my own! This week we bust the classic personal finance myth of saving 10% to fund your retirement. What was once a staple of personal finance is no longer enough, but there is a better way which can help you right now. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada Useful Resour...
Apr 24, 2023•33 min•Ep 71•Transcript available on Metacast This week Christine goes toe to toe with Dave Ramsey’s personal finance philosophy and his core 7 baby steps concept. How much of it is helpful to Canadians? What will and won’t work in Canada? And how can these concepts help the average person north of the border in their journey to wealth and debt freedom. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.faceboo...
Apr 17, 2023•40 min•Ep 70•Transcript available on Metacast Talk of a recession keeps on looming over Canadians but is this threat more of a big bad wolf, or more of a Peter and the wolf type of narrative. This week we talk about what’s going on in the markets and how things are shaping up for Q2 across various sectors and how those changes can impact your investments. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.faceb...
Apr 10, 2023•36 min•Ep 69•Transcript available on Metacast This week we talk about spendapalooza 2023, aka Canada’s 2023 federal budget, everything from grocery “rebates,” green infrastructure to taxing the rich. We read the budget so you don’t have to in order to figure out how it will impact your day to day finances. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada Useful Resources:...
Apr 03, 2023•31 min•Ep 68•Transcript available on Metacast This week we talk about one of the lesser known benefits of having a Canadian corporation, the Capital Dividend Account. This little known method of transferring tax free money from your corporation to yourself personally could change how you look at the concept of owning a business, well as long as you play by the CRA’s rules of course. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page ...
Mar 27, 2023•31 min•Ep 67•Transcript available on Metacast This week we talk about the book "Millionaire Success Habits" by Dean Graziosi, but get side tracked and talk about cheeseburgers, philosophy and wolves! Seriously though this week we talk about taking stock of your goals and desires and how they continue to shape your life and may be holding you back personally and financially as well. But that could change if you only asked the question “why” to many parts of your life. If you live in British Columbia, let us help you take care of th...
Mar 20, 2023•32 min•Ep 66•Transcript available on Metacast This week we answer another fan question and talk about what to do when your income goes up significantly. Find out how to find new was to defer or deduct expenses, find new opportunities for even more income and how to protect everything you’ve worked towards. If you live in British Columbia, let us help you take care of the people you love and visit braunfinancial.com Keep the conversation going on our Facebook Page and Group: https://www.facebook.com/itspersonalfinancecanada...
Mar 13, 2023•30 min•Ep 65•Transcript available on Metacast 
